Privacy Policy

At United Bay Community Credit Union (UBCCU), your privacy is important to us. This Internet Privacy Policy is intended to disclose how we treat information you provide to us through the UBCCU Web site (or "Web Site").

General:

As a general policy, UBCCU does not automatically collect personal information from users of its Web site. UBCCU does collect and store: information on the domain a user uses to access its Web site, the Internet address of the Web site from which a user links to the Web site and the date and time of the visitor's visit to the Web site. This information is used for statistical purposes to measure the number of visitors to its Web site and the route a user travels while within the Web site to better serve users in improved design and site navigation.

Member-Only Areas:

Personal identification (i.e.: account number, user identification, password) is collected when a valid credit union member with active credit union account(s) has entered the secure Internet banking area of the credit union's Web site. This information enables the credit union to regulate access of this information to those who request such access and those entitled to perform transactions on these account(s).

United Bay Community Credit Union does not sell or provide any member information to any list service. We will disclose information to third parties about your account or the transactions you engage in: (a) where it is necessary for completing transfers or transactions, or to send notice of dishonor or nonpayment; or (b) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or (c) to our accountants, attorneys or other professional advisors; or (d) to credit union or financial institution regulators; or (e) to advise third parties of accounts closed for misuse; or (f) when we are attempting to collect an obligation owed to us; or (g) in order to comply with government agency or court orders, subpoenas and other legal documents, or (h) if you give UBCCU your permission.

Cookies:

UBCCU's Web site requires the use of cookies, which are small pieces of information a web site stores on a visitor's web browser to remind the site about the user the next time he or she visits the site. UBCCU does not store confidential or sensitive information in cookies. UBCCU uses cookies to enhance its members' Internet banking session and ease navigation through its Web site. For certain applications, such as online banking, cookies are required to help protect the privacy of a member's transactions by, for example, automatically terminating the Internet session if the member forgets to log out. Cookies cannot be used to capture a user's e-mail address, obtain data from the user's hard drive or gain confidential or sensitive information about the user. Additionally, cookies cannot be read by a web site other than the one that set the cookie. UBCCU's Web site does not use cookies to obtain information from the user's browser, however some web sites do. The user has the option to set his or her browser to notify before accepting a cookie to control whether a cookie is accepted or rejected.

Online Forms:

UBCCU provides several online form resources (i.e.: loan application, information request form) to better serve the needs of its members. Personal information provided by a user via any of the credit union's online forms is used by UBCCU only to process the member's request for service. All information that passes between UBCCU's Web site and the user's PC is encrypted to protect the user's privacy.

E-mail Communication:

Personal information transmitted to UBCCU may be used by credit union staff to respond to inquiries for service or information or improve the service the credit union provides. Since e-mail communication may not be secure against interception by unauthorized individuals, users should seek alternatives to e-mail when it is necessary to provide sensitive or personal information.

Mission Statement
The mission of United Bay Community Credit Union is to be our members' primary financial
institution, providing them with quality, confidential, professional and personal service, while
maintaining a sound and stable credit union.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. www.ncua.gov

We Do Business In Accordance With the Federal Fair Housing Law
and the Equal Credit Opportunity Act.